Travel Insurance

Product Disclosure Statement





1300 728 015

auspost.com.au/travelinsurance





 32

Why Choose Australia Post

Travel insurance?























How To Buy

 



 

 

The Purpose Of The Product

Disclosure Statement (PDS)













 



 



 



 



 



 







Table of Contents

Product Disclosure Statement (PDS) 389

Why Choose Australia Post Travel insurance? 3

How To Buy 3

The Purpose of the Product Disclosure Statement (PDS) 3

 4

Cruise Cover 

The Cover 6

 

Policy Inclusions and choices 1012

 

 

 

 

 

 

Options To Vary Cover 12

 

 

 

 

Travel and Health 1830

 

 



 

24 Hour Emergency Assistance 31

Claims 32

Information To Know Before You Buy 3237

 

 

 

 



 

 

 

 

Policy Wording 3882

 

 

 

 

General Information 8389

 

 

 

 

 

 

 

Financial Services Guide Statement (FSGS) 9094

 54

Cooling-o Period





















Customer Service











Claims











Existing Medical Conditions













24 Hour Emergency Assistance



Cruise Cover

Will you be travelling for 2 or more nights on an ocean or

sea going cruise?























When don’t I need to add Cruise Cover?



 

 

 

 

 



 



 76

The Cover – International Plans



Excess

Applies?

International

Comprehensive Plan

International

Basic Plan





 



  

2*    

3*  

°



4* 



 

 



 



 











 



5    

6*    

7    

8    

9*    

10    

11    

12*    

13*  





14*  





15*  





16    

17*







7477



 

5.

Plan Types













*









°







 98

The Cover – Domestic Plan



Excess

Applies?

Domestic Plan

2*   

3*   

4* 





 

 













 

5   

8   

9*   

14*  

^

15*  

^

16   

17* 









Plan Types 

*

^













 1110

Policy inclusions and choices

Areas of Travel



Single Trip: 





Annual Multi-Trip: 



Note:







What about a cruise?

 





 











 











Single Trip or Annual Multi-Trip































Choose An Excess













Cancellation Cover





























Amendment or Cancellation Note:

 



 Section 17: COVID-19 Benets: 





 1312

Schengen Visa













Extending Your Journey













Please note:

 









 





 







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





 





 





 



Safety of Your belongings and limits to the cover

 







 













 



 



 











 







 







 1514

 





“Valuables”















“Unattended” 



“Concealed Storage Compartment”





 “Public Place”













Increase Luggage ItemLimits*















 



 

 



 

 

Luggage Item Limits Automatically Included In Your

Cover













Items

International

Comprehensive

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Domestic

Plan

  

  

  

  





 

  

  

  

  

  

  

  

  

  



 1716

Activities Included In Your Cover









 

 

 

 

 

 

 

 

 

 

 

 

 

 

 









Motorcycle/Moped Riding





















 

 





 



 

 

 

 

Motorcycle/Moped Riding Note





























 

 

 

Snowmobiling Note









 1918

Travel And Health

Do You Have An Existing MedicalCondition?









What does this mean?





























Assessing Your Health









Existing Medical Conditions

(Of You or Your travelling companion)













What Is An Existing MedicalCondition?

“Existing Medical Condition”





 





 

  



  

 



 

 

  





  





 

  



  

 

 

“Relevant Time”

 



 









 2120

Getting Cover For Existing Medical Conditions



 

 

 





Existing Medical Conditions Which Cannot Be Covered





 

 



 





 



Medical Conditions That Are Undiagnosed Or Awaiting

Specialist Opinion













 



 



 





























Existing Medical Conditions We Automatically Include





 all Your Existing Medical Conditions are on this list

 





 



 



 





Condition Criteria

 











 









 











or





continued over the page

 2322

Condition Criteria

 































 



















 













 











or







 

 



or

Condition Criteria

 







 

 

 































































 









 







 











continued over the page

 2524

Condition Criteria



























Existing Medical Conditions We Need to Assess



 

 



 











Conditions To Pay Particular Attention To

Chronic lung conditions











 

 

 







What does this mean?











Cardiovascular Disease















 

 

















What does this mean?





















Reduced immunity















 2726

What does this mean?

















What happens if I have an Existing Medical Condition

but do not take steps to cover it under my travel

insurancepolicy?





 





 



 















Completing A Health Assessment





 











 









 



 















 2928

Pregnancy







 



 

 



or

“Relevant Time” 

 



 















Pregnancy Restrictions







 











 

 





What does this mean?









Health of other people impacting

Your travel (non-traveller)









What is covered?









 









 











 







 





 

 

What are the restrictions and limits?









 3130

 













What isn’t covered?



 



 



 







or

For example:

 





 



 



For example:

 





















24 Hour Emergency Assistance









• 



• 







• 







• 









• 















Contact Emergency Assistance

 

 

 

















 3332

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











OR complete and post in a claim form





















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

When Will I Hear Back About TheClaim?











Do You NeedAssistance?







Information To Know Before

You Buy

Who Is TheInsurer?

























Who Is Travel InsurancePartners and the

ProvidingEntity?



























Who Is AustraliaPost?















 3534

Provided?





 





 



 

 



 





 

Duty To Take Reasonable Care Not To Make A

Misrepresentation







































Circumstances relevant to Your duty





















 



 



 



 





 



 







 

 



Consequences if You fail to take reasonable care and do

make a misrepresentation









or







 3736

The Amount You Pay For This Insurance



























• 

• 





• 

• 





• 



• 







• 

 





• 



How A Claim Settlement Is Calculated





 

 

 

 

 





 



 



 



 





 





 



 





 











 3938

Policy Wording



























 



 









 

  

   



   











  





Words With Special Meaning







“We” “Our” “Us”



“You” “Your” “Yourself”













 



 



 









“Accompanied Children”









“Act of Terrorism”



 

 

 



“Additional”







“Amount Payable”



“Computer System”



















 4140

  





 

  



  

 

 

“Home”

“Insolvency”













“International Waters”



“Journey”











“Limbs”



“Natural Disaster”













“On-Piste”







“Pandemic”





“Concealed Storage Compartment”



“Cyber Act”









“Cyber Incident” 

 





 







“Disabling Injury, Sickness or Disease”







“Epidemic





“Existing Medical Condition”





 





 

  



  

 



 

 

  





 4342

“Period of Insurance”

 











 







  

  





 

















“Permanent”





“Professional”



“Public Place”











“Relative” 













“Relevant Time” 

 



 





“Rental Car”









“Terminal Illness”





“Transport Provider” 





“Unattended”



“Valuables” 













 4544

Policy Conditions

1. Excess

 











Claim example:





















 







2. Limits Of Liability

 





  





  

  









  



  















3. Claims

  













  



  



  









  











  



  



















  











 4746

  















  









4. If You Are Able To Claim From A Statutory Fund,

Compensation Scheme Or Transport Provider

 











5. You Must Help Us To Make Any Recoveries

 







6. Claims Payable In Australian Dollars

 





7. Policy Interpretation

 





8. Emergency Assistance

  







  















  





















  

 

 

9. Free Extension Of Insurance

 











10. Special Conditions, Limitations, Excesses And



 

  









  







 4948

  

   

   



  



   







 



11. Automatic Reinstatement Of Sums Insured

 









12. Policy Conditions applying to Section1 and 2 only

  











  







  







   





   

   











   



  





  







13. Policy Conditions Applying To Sections 13, 14 And 15

Only

  





  







14. Already travelling

 









15. Sanctions regulation

 













 5150



Section 1: Overseas Medical and Dental Expenses

(including emergency repatriation/evacuation)

Overseas Medical Expenses

























Overseas Dental Expenses

















Please note



























































We Will Not Pay For:

 



 

















 



 





 

 















 5352

Section 2: Additional Expenses

1. If You Become Sick























 





 







 





























We Will Not Pay For:

 





2. If You Die







 





 









3. If a Relative or Your Business Partner Not Travelling

With You Becomes Sick











4. If Your Home Is Destroyed By Fire, Earthquake Or

Flood









5. Other Circumstances











 







 





 





 

 5554

 



 







 







































We will not pay for claims (under Section 2.3) caused by:

 



 





  









  











  







  





  

  

 













Section 3: Amendment or Cancellation





 









 



  







  







  











 5756

   



   













   



































We Will Not Pay For Claims Caused By:

 





  

  







 





 





 

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

  

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





  





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  

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

  

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  

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 

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

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 



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





 







 







  

  



 



 





 

 









1. Loss, Theft Or Damage







































 





 





 



Depreciation table

















 6160























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















New-24 months   

   

More than 36

months

  

Item limits







Items

International

Comprehensive

Plan

Domestic

Plan

  

  

  

  





 

  

  

  

  

  

  

  

  

  







 



 

 



 

 

Claim example



















   



2. Automatic Reinstatement Of Sum Insured























We Will Not Pay For:

 

  

  





  

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 

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 





 



 





Section 5: Travel Documents, Passports, Credit Cards

























We Will Not Pay For:

 

  

  





  

 















 6564

 







 











 







 

 









Section 6: Delayed Luggage Allowance







 







 











What You must do if You want to make a claim

 











 





 

























 



















Section 7: Money























We Will Not Pay For:

 

  

  





  

 6766

 















 









Section 8: Rental Car Insurance Excess



 

 



 









































We Will Not Pay For:

 



 



 





Domestic Plan: Bonus cover for the insurance excess on

Your personal vehicle











 









 















 6968

Section 9: Travel Delay











 



 



















































We Will Not Pay For Claims Caused By:

 







Section 10: Resumption of Journey













 

 







 



 



 





 





















 7170

Section 11: Special Events















 





 

















We Will Not Pay For Claims Caused By:

 







Section 12: Hospital Incidentals







































Section 13: Loss of Income



















































 7372

Section 14: Disability









































Section 15: Accidental Death





































Section 16: Personal Liability

























We Will Not Pay For:

 





 



 



 





 



 

 



 



 









 7574

Section 2: Additional Expenses















1a. If You Become Sick (if you are diagnosed with

COVID-19 on Your trip and admitted to hospital)





















We will not pay for:

 

















Cover under this policy is extended under the

policy Sections listed to include claims arising

from COVID-19 in the circumstances, and under the

conditions, listed.

Please note:

 









 





Section 1: Overseas Medical and Dental (including

emergency repatriation/evacuation)

















If You are diagnosed with COVID-19







We will not pay for:

 















 7776

We will not pay for (under 2.1b and 2.2):

 

















Section 2: Additional Expenses





























1b. If You Become Sick (if you are diagnosed with

COVID-19)









2. If You die (as the result of COVID-19)







3. If a Relative or Your business partner not travelling

with You becomes sick (as a result of COVID-19)



















 7978

 









 









  



  



  

 



  







  

  



  

 





 





  



  

  





General Exclusions







We Will Not Pay For:

 











 











 





 







 



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 

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 

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  

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  

   



   

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























 

 

  









  

 







 8584

General Insurance Code Of Practice







 

 



 



 





 

















Cancelling Your Policy

































General Information

The Financial Claims Scheme









Additional Policy Information





 



 



 



 



Change Of Terms And Conditions





















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

 

 



 

 







 









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

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

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

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







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

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

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 

 

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 

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

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 

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

 8988

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











or











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











































Complaints and Disputes Resolution Process









































































 9190

Financial Services Guide

Statement























What Financial Services AreProvided?

















Travel Insurance Partners





























Australia Post, Australia Post Services































How Are WePaid?

Travel Insurance Partners





























 9392

Complaints









Contact Details And Complaints For Australia Post

Services And Australia Post

























































Australia Post And It’s Franchisees











































Further Information











 9594

What Professional Indemnity Insurance Arrangements

Do We Have In Place?



























Who Is Responsible For This Document?

























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Notes



1300 728 015

auspost.com.au/travelinsurance

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